Your situation
Car insurance after an accident or ticket
An at-fault crash or a moving ticket usually raises your price at renewal, and carriers look back three to five years. Each carrier weighs them differently, which is why re-shopping after one often pays.
What to do, in order
- Know what is on your recordRough dates and type are enough for the quiz; the insurer checks the record before it issues the policy.
- Ask about a driving courseSome tickets can be handled with a Florida basic driver improvement course, which can keep points off.
- Compare at renewalYour current carrier is not always the most forgiving one.
Quote for my situation
David sees the situation you came from, so you won’t have to explain it twice.
What changes the price
- Not-at-fault crashes affect price less, or not at all, with many carriers.
- Each clean year lowers the weight of the old event.
What to have ready
- Approximate dates of any crashes or tickets
- Your current declarations page
Questions
Should I report a small crash to my insurer?
Most policies require prompt notice of any crash. Talk it through before deciding not to report.
Related coverage
Your policy’s wording decides what’s covered. David can walk you through yours.